Jupiter Lend vs Moonwell

How Jupiter Lend vs Moonwell compare on our ratings, lending protocol specs, funding, pros and cons.

Feature	Jupiter Lend Visit	Moonwell Visit
Ratings
Our score	4.0/5	3.0/5
User rating	No reviews yet	No reviews yet
Security & track record	4.5	1.5
Rates	4.0	3.5
Market depth	3.5	3.5
Ease of use	4.5	4.0
Decentralization	3.5	3.5
Specs
KYC required	No	No
Lending model	Pooled	Pooled
Chains	Solana	Base, Optimism, Ethereum
Main collateral assets	Not disclosed	ETH, USDC, USDT, cbBTC
Audited	Yes	Yes
Bug bounty	Not disclosed	Yes
Governance token	JUP	WELL
Isolated markets	Not disclosed	Yes
Own stablecoin	Not disclosed	No
Rates	Variable	Variable
Company
Founded	2025	2022
Headquarters	—	Finland
Investors	Not disclosed	Arrington Capital, Hypersphere, C Squared, Charterhouse Strategic Partners +10
Strengths and weaknesses
Pros	Over $1B in total value locked across Solana lending markets Security reviewed by Certora, OtterSec, Neodyme, and Code4rena Requires no KYC or account registration to lend or borrow Native mobile app integration allows managing positions on smartphones	No KYC checks or account registration required to lend or borrow Smart contracts audited by firms including Halborn and Code4rena Integration with Morpho for automated onchain yield vaults
Cons	Restricted exclusively to the Solana blockchain ecosystem Variable borrowing rates can spike sharply during periods of high utilization Borrowers risk automated liquidation if collateral asset values decline	Suffered an $8.7M oracle manipulation exploit on Base in August 2026 cbETH oracle misconfiguration in February 2026 triggered $1.78M in bad debt Core market borrowing on Base was halted following security incidents
Best for	Solana DeFi yield depositors, Traders borrowing against crypto collateral, Mobile users seeking onchain lending	DeFi lenders on Base and Optimism, Borrowers supplying ETH or stablecoin collateral, Yield aggregators integrating Morpho vaults

Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.

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